I don't agree that buying coin/ token is like risking your money, though there are many scam ICOs out there but
i think that ICOs still remain a best profitable venture
especially, if thorough research about these ICOs are carried out. If anyone think that ICOs is risking money, it then means that there may not be a new start up, and in addition, every coin/token that are in the market today was ones started through ICO. An Initial Coin Offering (ICO) is used by startups to bypass the rigorous and regulated capital-raising process required by venture capitalists or banks.
In a nutshell, i believe ICOs is still the best way to invest in cryptocurrency market.